South Wales Mortgage & Protection Specialist
From New-Build to Self-Build - we can help with all your mortgage needs
First Time Buyers
With so many mortgage deals out there and different fees and tie-in periods, it can be tricky to work out which mortgage is going to be best for you and as a result, many people find taking that first step onto the property ladder quite daunting. Expert advice from a professional and experienced mortgage advisor at SMK Mortgages can make sure you get it right first time, finding the most suitable deal for your needs and budget.
We will guide you through the process, and assist you right through to completion, dealing not only with the lender, but with any estate agents, solicitors and any other third parties as necessary. Our job only finishes when you have the keys to your new home in your hands!
Help-to-buy
With accreditation from the Help-to-Buy Wales scheme, whether you are a first-time buyer OR a home-mover wishing to purchase a new-build house, SMK Mortgages can help you. We can advise you on eligibility and affordability, explain how the schemes work and complete applications to both Help-to-Buy schemes AND the mortgage lender on your behalf. As with all our mortgage services, we work with you throughout the whole process until your new purchase has completed.
As we are not tied to an agent or developer, we can help you with your mortgage requirements regardless of which developer you are purchasing from – developers cannot force you to use their in-house advisor but they will want to know that your advisor can provide a timely and efficient mortgage service. Our experience and expertise means that we can help to make your journey to your new home as smooth and stress-free as possible.
HUNDREDS OF MORTGAGES ALL UNDER ONE ROOF
Home-Movers
There may come a time when you wish to move on from your current home – to accommodate a growing family, to downsize, or simply to change location. Whatever your reasons, we can help you to achieve your dreams by arranging a mortgage deal that is right for you.
At SMK Mortgages, we can source mortgages for a variety of clients, including those who are self-employed, have adverse credit, wish to build their own home or are foreign citizens. We work with you to ensure that the process runs as smoothly and as stress-free as possible, from the initial consultation to exchanging and completing on the purchase of your new home.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Remortgage
Whether you are looking to re-mortgage to get a better deal or to raise money, to carry out home improvements for example, we can help to find the right mortgage for you. We are focused on providing good customer service, ensuring that your mortgage is processed promptly and efficiently.
We deal with all major lenders, as well as a number of smaller lenders that are not on the high street but who may offer a deal which fits all of your requirements – this might enable you to save money or to get that dream kitchen or bathroom!
You may have to pay an early repayment charge to your existing lender if you re-mortgage during a tie-in period. For those seeking to increase their existing borrowing, alternative finance options may be available and more appropriate for your needs, for example, a further advance from your existing lender or an unsecured loan (e.g. a personal loan).
Buy-to-let
If you’re thinking of buying a property as an investment, then getting the right mortgage could be the best move you make. Ensuring you have a competitive mortgage deal could make all the difference to how successful your investment is and at SMK Mortgages we can source a wide range of buy-to-let mortgages from across the market. We can provide you with expert advice on which one is right for your buy-to-let venture, whether you are an existing landlord or thinking of buying your first investment property.
Please note, our advice is only in relation to the most suitable buy-to-let mortgage; we cannot give advice on what might constitute a suitable investment property nor can we give tax or investment advice.
Most Buy-to-Let Mortgages are not regulated by the Financial Conduct Authority.
…And Much More
- Let To Buy
- Self-Build
- Self-Employed
- Credit blips
- Over 55
There are many reasons that you may feel that you don’t “fit the mould” for having a mortgage with a high street bank, but SMK Mortgages can help! With access to over 75 lenders and hundreds of mortgage deals, along with experience and in-depth knowledge of the mortgage market, we work with you to fully understand your circumstances so that we can ensure you meet the lender’s criteria and secure the most appropriate mortgage for your needs. We can also offer advice on a range of products where you are considering borrowing into your retirement, for example, to buy your home in later life or if you need to carry out home improvements on your property. Speak to us today to see how we can help you.
A fee will be charged for our mortgage services. The precise amount will depend upon your circumstances and the complexity of the case and will be between £495 and £1,000. £250 of the fee is payable when you instruct us as your advisor and the remainder becomes payable when we provide you with our recommendations.